IDFC FIRST Millennia Credit Card

Card Details

IDFC FIRST Millennia Credit Card
Issuer
IDFC FIRST Bank
Card type
Everyday
Joining fee
Nil
Annual fee
Nil
Rewards currency
Reward Points

Highlights

  • Lifetime Free Card
  • 10X RPs/₹200 above ₹20,000
  • Railway Lounge Access
  • 25% off on movies

Welcome, annual & renewal benefits

  • Joining/Annual Fee: Lifetime Free (₹0).
  • Welcome Benefit: Gift vouchers worth ₹500 on spending ₹5,000 within 30 days.
  • 5% cashback on first EMI transaction up to ₹1,000 within 30 days.

Reward earning

Spend typeEarn rate
Spends above ₹20,000/month10 Reward Points / ₹200
Spends up to ₹20,000/month3 Reward Points / ₹200
Utility & Insurance1 Reward Point / ₹200
Flights vis IDFC Travel Shop13% Bonus Reward Points
Hotels vis IDFC Travel Shop33% Bonus Reward Points
  • 1 Reward Point = ₹0.25.
  • No RPs on fuel, EMI, cash withdrawals.

Additional Benefits

  • Railway Lounge: 4 visits/quarter (on ₹20K monthly spend).
  • 25% off movies on District app (up to ₹100/month).
  • 20% discount on dining at popular restaurants.
  • Complimentary roadside assistance worth ₹1,399.
  • 1% fuel surcharge waiver (max ₹200/cycle).
  • Insurance: ₹2L personal accident + ₹25K lost card cover.
  • No airport lounge access.

Review

This is one of the best Life time free cards out there. There is no lounge access but for a LTF card that is ok.